Pennsylvania Prince Hall Family

Philadelphia, PA · Charter 23869

Q4 1997

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2

Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q4 1997, the quarter ended December 31, 1997, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Philadelphia, PA · Charter 23869

Q4 1997

$101KAssets

$74KLoans

$117KShares

n/aNet Worth

Return on Assets (YTD, annualized)

-21.61%-2,365 bps YoY

Net Interest Margin (YTD, annualized)

n/a

Efficiency Ratio (YTD, annualized)

n/a

Net Worth / Assets

n/a

Year to date, annualized, through each quarter.

Metric	Q2 1994	Q4 1994	Q2 1995	Q4 1995	Q2 1996	Q4 1996	Q2 1997	Q4 1997	YoY Δ	Trend
Earnings
Return on Assets	0.76%	1.52%	0.93%	2.04%	0.54%	0.69%	2.06%	-21.61%	-2,365 bps
Return on Equity	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Interest Margin	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Efficiency Ratio	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Growth
Asset Growth (YoY)	n/a	n/a	n/a	n/a	13.78%	13.12%	14.65%	-2.52%	n/a
Loan Growth (YoY)	n/a	n/a	n/a	n/a	32.04%	59.83%	156.08%	229%	n/a
Share Growth (YoY)	n/a	n/a	n/a	n/a	14.63%	14.08%	11.95%	18.93%	n/a
Asset Quality
Delinquent Loans / Loans	7.55%	4.10%	15.37%	9.43%	10.71%	15.20%	28.54%	21.32%	+1,189 bps
Net Charge-Offs / Loans	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Allowance / Loans	6.28%	3.96%	5.51%	4.13%	4.40%	3.46%	2.93%	17.15%	+1,302 bps
Capital
Risk-Based Capital	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Net Worth / Assets	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a	n/a
Liquidity & Funding
Loans / Shares	17.09%	24.54%	16.40%	22.86%	19.68%	34.38%	37.52%	63.27%	+4,041 bps
Liquid Assets / Assets	56.23%	56.91%	49.70%	0.00%	49.76%	50.33%	51.31%	20.91%	+2,091 bps